How much does acceptance and commitment therapy (ACT) cost?

The cost of ACT varies based on factors such as the therapist’s location, experience, session length, and whether you use insurance or self-pay.

1. Average cost of ACT therapy
   

• • In-person therapy:

• • • $100–$250 per session (standard rate in the U.S.).
    • Therapists in large cities, such as New York or Los Angeles, may charge $200+ per session.
    • Sliding-scale fees may be available for lower-income clients.

• • Online ACT therapy:

• • • $60–$150 per session (sometimes lower than in-person therapy).
    • Subscription-based platforms (like BetterHelp, Talkspace) charge $240–$400 per month for unlimited messaging and weekly video sessions.

• • Group ACT therapy:
    

• • • $30–$75 per session (often more affordable than individual therapy).
    • Offered through community centers, hospitals, or online support groups.

• • ACT-based self-help options (more affordable):

• • • ACT Books

The Happiness Trap by Russ Harris ($15–$25).

• • • ACT Apps

ACT Companion, Unwinding Anxiety ($5–$20/month).

• • • Free online ACT worksheets and exercises

Available through mental health websites.

2. Does insurance cover ACT therapy?
   

Yes, if the therapist is in-network with your insurance provider.

Many insurance plans cover ACT as part of general mental health treatment.

• • Check with your insurance provider:

• • • Ask if they cover “mental health counseling” or “psychotherapy.”

• • • Confirm the copay (usually $20–$50 per session) or deductible (some require you to pay out of pocket up to a certain amount).
      • Medicaid/Medicare: Coverage varies by state, but some programs include ACT under behavioral therapy.

• • • If the therapist is out-of-network:
      • You may need to pay upfront and get reimbursement later (if your insurance offers out-of-network benefits).

3. How to reduce the cost of ACT therapy
   
   

• • Look for sliding-scale fees

Several therapists adjust pricing based on income.

• • Find low-cost community clinics

Some offer therapy for $30–$60 per session.

• • Check for university counseling centers

Many provide ACT therapy at reduced rates (or free) by supervised graduate students.

• • Try online therapy platforms

More affordable than traditional therapy.

• • Use self-help ACT resources

Books, apps, and worksheets can supplement therapy or be used alone.

ACT therapy can cost anywhere from $60–$250 per session, depending on whether it’s in-person, online, or covered by insurance.

Consider sliding-scale therapists, group therapy, or self-help options if affordability is a concern.

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